Kentucky’s Medicaid program is about to be overhauled, and it has involved a lawsuit along the way. HealthQuoteInfo offers assistance in clarifying matters concerning affordable health insurance for Kentucky residents. If you live here, you only need to get in touch with us, and we can try to help you find the best Kentucky health insurance coverage you need.
Private Kentucky Health Insurance
You can begin your search right now if you’re looking for private health insurance. All you need to do is to enter your zip code into our search bar. This will provide you with different plans from various private carriers that apply to your location. These plans are offered by private carriers such as Humana, Cigna, and Golden Rule.
It’s crucial you carefully consider the kind of coverage you can get from each plan, as the benefits may differ. These may also have different premium rates, so if you’re choosing between two similar plans, then it’s sensible to pick the more affordable option.
Small Business Health Insurance Kentucky
Another way to find more affordable health insurance is to take advantage of any health plans available through your employer. Such plans are more affordable, as your employer will contribute to cover a part of the costs of the monthly premiums. These plans can cover all eligible employees even if they have pre-existing medical conditions.
The COBRA program helps ensure that you have access to your work-sponsored health insurance even if you do lose your job. You can extend the coverage period for the next 18 months as long as you pay for the premiums yourself. This is extremely crucial if your plan includes your whole family. By continuing your health insurance, you prevent a lapse of coverage that can allow carriers to exclude pre-existing medical conditions in your next workplace health insurance plan for the first year.
Self-employed individuals can also obtain this type of plan form themselves, as long as they also have at least another worker, so the business has two employees. They also have to clock in at least 30 hours a week to qualify for the plan.
Medicare, Medicaid & Low Income Health Insurance Kentucky
Medicare is the federal program that helps provide medical coverage for people over the age of 65. Medicaid is also a federal program, but each state regulates it. It provides health insurance coverage for people with limited means and who cannot afford or obtain any other sort of health insurance. This means that applicants who wish to qualify must have incomes and resources within specified guidelines.
Eligible applicants are organized into five categories. These are the adults between the ages of 19 and 64, children under the age of 19, pregnant women, parents and caretaker relatives, and foster care “children” from ages 18 to 26 who do not receive Medicaid benefits from another category. The elderly and the disabled may also receive Nursing Facility services, including room, dietary services, and healthcare services provided by the facility or ordered by the physician.
Proposed changes to the Medicaid program include the requirement that members must either find jobs or volunteer for 20 hours of community work each week. Monthly premiums may also be required as well.
Presumptive Eligibility for Pregnant Women
Pregnant women can apply for Medicaid benefits, but processing the applications may take some time. The Presumptive Eligibility for Pregnant Women program provides eligible women with prenatal care through Medicaid while their eligibility is being processed. This temporary program can last for 60 days.
The services include primary care services provided by doctors and nurses, primary care centers, rural health clinics, local health departments, lab services, ultrasounds, ER services and prescription drugs. Transportation is also covered, and even dental services are included.
The HEALTH acronym stands for “Helping to Engage and Achieve Long-Term Health.” It’s a new health and wellbeing program for certain adults and their families with low income.
This program covers certain groups of people who are already enrolled in Medicaid, which includes pregnant women, children, former foster care youths, and impoverished adults.
This is Kentucky’s version of the Children’s Health Insurance Program. It offers low cost or even free health insurance for children who are younger than 19. To be eligible, children must be part of families that earn less than 213% of the federal poverty level. For a family of two, this is an annual income of no more than $35,883. The limit is $45,300 for a family of three and $54,718 for a family of four.
The coverage includes a long list of medical services. These include doctor visits, hospital services, dental care, vision exams, and hearing services. Children also get coverage for prescription medicine and mental health services. They can also get eyeglasses, immunizations, checkups, and therapy for physical or speech difficulties.
Copayments are required, but they are very minimal. This ranges from $1 for generic drugs to $50 for in-patient hospitalization. While expenses may accrue during the year, the member costs per family cannot exceed $450 a year, and these include copayments.
Kentucky Open Enrollment 2019 & Kentucky Obamacare Insurance
The Kentucky Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Kentucky, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.